Disadvantages: unsecured, high interest rate, high risk, credit risk, lack of effective supervision means.
The origin of peer-to-peer lending: peer-to-peer lending, also known as P2P peer-to-peer lending. P2P is the abbreviation of English peer to peer, which means "person to person". Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is as follows: Internet credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. Lenders of funds receive interest income and bear risks; When the borrower repays the principal due, the online loan company will charge the intermediary service fee.
Online lending has promoted the interaction between industry and finance, changed the observation horizon, thinking context, credit culture and development strategy of loan companies, and broken the original lending situation. Unsecured, high interest rate, high risk. Compared with the traditional loan method, online loan is completely unsecured. The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while some of the purposes of the loan platform builders are not simple, and cases of absconding with money also occur frequently.
In the past two years, online lending has intensified in China, which has also had a great impact. Once a negative term, it was resisted in various universities.
What are the advantages and disadvantages of flash charging? 1. Advantages: mobile phone charging is fast and convenient, adapting to the fast-paced life now.
2. Disadvantages: Lithium precipitates on the electrode and separator, resulting in a sharp increase in the internal resistance of the battery. In this way, the battery will soon reach the full charging pressure when charging, and will soon discharge when discharging, and the battery capacity decay speed will be obviously accelerated.
1. Flash charging is a fast charging technology, which can make the mobile phone fully charged in a short time. Independent research and development by OPPO, applying for 18 patent, the fastest charging speed is increased by more than 4 times, and it has impeccable intelligent full terminal five-level protection.
2. Flash charging is to increase the current by using the mode of low voltage and high current. MCU is added to the charger power supply and battery circuit respectively to replace the step-down circuit. On the premise of low voltage and high current, the output of sectional cross-flow current is realized by opening the voltage loop.
3. Compared with other fast charging schemes, the charging power of flash charging is higher, and the power conversion rate reaches 95%. The fastest charging speed is more than 4 times faster than the general mobile phone charging technology, and 50% faster than other fast charging technologies.
What are the advantages and disadvantages of MINI CLUBMAN? Advantages: As classic as MINI Cooper, it is more practical. ; Disadvantages: There are too many people who only recognize Cooper, which is not practical here.
What are the advantages and disadvantages of WEB services? The main goal of Web services is cross-platform interoperability. In order to achieve this goal, Web Service is completely based on platform-independent and software vendor-independent standards such as XML (Extensible Package Markup Language) and XSD(XML Schema), and is a new platform for establishing interoperable distributed applications.
One: Cross-firewall communication
Second, application integration
Three: B2B integration
Four: Software and data reuse
Disadvantage 1: standalone application
Second, the isomorphic application of LAN
From the perspective of application structure, there are other methods that are more effective and feasible than Web Service, so don't use Web Service.
As an online lending platform, what are the advantages and disadvantages of Baiquan Loan and Aitou respectively? (1) Business model: Baiquan Loan and Ai Investment belong to broad online lending platforms. Specifically, love investment is P2C (personal-to-business) mode, and Baiquan loan is P2B (personal-to-business) mode, but they are essentially the same, both of which are personal loans for business operations.
(2) Safeguard measures: Both Baiquan Loan and Ai Investment entrust third-party cooperative guarantee institutions to provide safeguard measures for investment and wealth management products. If the borrower fails to repay the principal and interest, the cooperative institution will provide compensation services. The cooperative institutions of Baiquan Loan are mainly financing guarantee companies and asset management companies, and the cooperative institutions that love investment are mainly financing guarantee companies, factoring companies and small loan companies.
(3) Fund management: Fund management mode is the most important point of online loan investment. All the funds of Baiquan Loan are entrusted to Remittance World for third-party custody, and the platform itself cannot touch the investors' funds. Investors can check the flow of each fund, which basically eliminates the possibility of the platform running away with money. Remittance World holds a national financial license and can do third-party payment and fund custody business. The funds of Ai Investment are managed by a third-party company, and the transparency of funds is relatively poor, because it is impossible to define whether there is a relationship between the third-party company and Ai Investment. If there is a relationship, there is a suspicion of self-melting. In the future, with the implementation of the state's regulatory measures for the online loan industry, the fund management model of Baiquan Loan and Ai Investment will be transferred to the depository of banking institutions.
(4) Legal protection: Baiquan Loan and Ai Investment set up perennial laws in Zhonglun Law Firm and Jindu Law Firm respectively.
Consulting relationship, the strength of these two law firms is leading in China.
(5) User experience: The products of Baiquan Loan and Aitou completely cover PC, APP and WeChat, and the user experience is excellent in the domestic online lending platform.
(6) Investment income: Baiquan Loan mainly focuses on semi-annual investment products, with an annualized rate of return of 14.5%. Most of the one-year projects are love investment, and the annualized rate of return is in the range of 12- 14%.
Generally speaking, Baiquan Loan and Ai Investment are both excellent online lending platforms in China, and they are also observers of Beijing Online Lending Industry Association.
Investment is risky, so choose carefully.
What are the advantages and disadvantages of pat net? Pat still has many benefits. Because pat has just been established, which means that not many people know pat now. However, patting will be accepted and yearned for by more and more people. For example, if you sell things cheaply, fewer people will sell them. The competition is not so fierce, with Tencent as the strong backing. Tenpay's safe payment can be used with confidence. The number of pats is increasing every day. If you don't know anything about Paipai, you can always consult Paipai customer service, that is, talk to Tencent directly. There is a unified QQ number, and the number is 5 18800800. Now we are further attracting buyers. Personally, I think the future auction is comparable to Taobao, but there is still a long way to go. This is the advantage and great potential. The disadvantage is that I personally think that the whole pat system starts pat and Taobao at the same time, which is not as fast as Taobao, and TenPay is not as safe as Alipay. Looking at it now, it is still not as safe as Taobao. At present, the impact of patting is not great! With the promotion of QQ users, the pat will be better tomorrow. ……
What are the advantages and disadvantages of network diagram? You can intuitively express the user network structure you designed, but you still need to describe it in detail in words.
What are the advantages and disadvantages of rattan sofa? Please understand the advantages and disadvantages of rattan sofa.
How about a rattan sofa? Advantages of rattan sofa: rattan is a natural material, which has the advantages of firmness, lightness, no fear of extrusion, softness and elasticity, and the rattan sofa made of it is also very durable. Modern rattan sofa takes bamboo and rattan as the main materials, and forms different patterns through various weaving techniques and techniques, which changes the simple and rough frame in appearance and is more exquisite and beautiful. Rattan furniture also has the characteristics of health, environmental protection, natural freshness, good air permeability, comfort, practicality, no mildew, easy cleaning, environmental protection and ultraviolet resistance.
How about rattan sofa? Disadvantages of rattan sofa: it is not suitable for long-term soaking or high-temperature baking; Strictly stay away from sharp tools when using; When moving the sofa, the bottom should be moved, not dragged hard; The sofa should be placed horizontally, otherwise it will be easily deformed; Don't jump on the rattan sofa. Affected by seasonal changes; The service life is short and the service time is long, and a small amount of loose rattan may be produced.
There is no real perfection in the world, and so is our rattan sofa, which has advantages and disadvantages. This is the real existence. As long as we appreciate the advantages and tolerate the disadvantages in our daily life, we can perfectly enjoy the comfort brought by rattan sofas. I hope the answer from the escort network can help you.
What are the advantages and disadvantages of wow and LOL? The disadvantage of lol is that competitive games are free. Unless you have to spend money on the hero panel, you can play them for free for life.
The advantage of lol is that the characters in it include the assistant of the single mage on the list and various heroes of aps fighting wild monsters for you to choose from, and each hero has different skills.
The advantage of wow is that there are many copies, large maps (the map is called Zan, which is bigger than the map of the world) and many stories. The battlefield is very interesting. It's handsome to pretend to be a pet or something The upgrade is also faster. I suggest you recruit teammates with three times the experience. Equip yourself to play and feel the fair game.
Disadvantages: it needs to invest a lot of money.
League of Legends is a competitive online game between heroes and MOBA, which was developed by Riot Games in the United States and operated by tencent games in Chinese mainland.
There are hundreds of personality heroes in the game, and there is a system to cultivate characteristics such as grades, talents and runes. Players will control a "hero" role in the game and compete with another team. The goal of the game is usually to destroy the opponent's main base.
League of Legends is also committed to promoting the development of global e-sports. In addition to the development of professional leagues, League of Legends also holds three world-class events: the mid-season championship, the global finals and the all-star game every year. 20 18 1 18 and 20 17 China Game Billboard Awards were announced, and League of Legends won the top ten most watched client game awards.
World of Warcraft is the first online game produced by the game company Blizzard Entertainment, which belongs to a massively multiplayer online role-playing game.
The game is based on the story of the real-time strategy game "Warcraft" produced by the company. Relying on the historical events and heroes of Warcraft, players can take risks in the world of Warcraft, complete tasks, take new risks, explore the unknown world and conquer monsters. World of Warcraft has designed 13 races for players to choose from, and each race has its own distinctive characteristics. Players can choose to join an alliance or tribe.
World of Warcraft was publicly tested in North America in 2004. As of 20 1 1, World of Warcraft has10.3 million users worldwide. 20 14 0 10, the total number of accounts established in the world has exceeded 1 billion, and the number of characters has reached 500 million. 20 16 65438+ 10/4, World of Warcraft official website released a blog post announcing the reopening of the Warcraft 7.0Alpha test, and updated it to create 209 14. 20V2065438+200665438+1On October 22nd, the test suit of Warcraft 7.0 added a battlefield with 20 people and named it "Assault Storm City". The minimum requirement of this battlefield is 5V5.
What are the advantages and disadvantages of light rail? 1. Because both the subway and the light rail have the advantages of no traffic jam and large capacity, it is undeniable that the owners living near the light rail or subway will really get some benefits when traveling.
2. The land occupied is 1/8 of the highway, which saves land and has a large traffic volume. The capacity of a double-track rail transit is equivalent to a 16-lane expressway.
3. The cost is 1/3 of the subway, and the speed is twice that of the subway. The execution speed of intercity express rail is 160 ~ 200 km/h, which is 80 km/h for Beijing subway, and the subway cost is 400-600 million yuan /km. Light rail cost1.500 million yuan/km.
4. The energy consumption is 3/5 of that of buses and 1/6 of that of private cars. Light rail uses clean electricity.
5, the noise is lower than that of large trucks, about 70 decibels.
6. Safety accidents are extremely rare in the world at present.
7. The crime rate in densely populated areas will be relatively higher than that in other areas.
8. It is an unavoidable fact that the noise and pollution problems in densely populated and busy traffic areas will be more serious than those in other areas. Higher noise and pollution will not only reduce the livability of this area, but also do some harm to the health of the owners living here.
9. According to the economic law, due to the migration of a large number of residents around the subway and light rail, the relationship between local supply and demand will change, and eventually the price will rise. Therefore, residents who buy properties along the subway and light rail will not only have to pay more money, but also the cost of living will increase accordingly. Maybe it only costs a few dollars or a dozen dollars a day, but it will become a big number over time!
The definition and specification of light rail first came from UMTA in the United States, and the "portability" of light rail came from UMTA's description of this mode of transportation. In this paper, "light" means "used for light load and fast movement", rather than reflecting the body weight. In fact, "light" means light load. Instead of light axle load and rail load, it has nothing to do with axle load and rail load at all. Many people misunderstand that light rail means light rail. In fact, the rail weight of light rail often exceeds that of national railway, which is not light at all.
Railway transportation systems with smaller capacity than railway systems (including national railways, long-distance railways and commuter railways) are also called light rail railways, such as:
Shanghai Chuansha Light Rail between 1925 and 1975.
News reports and non-professionals in Chinese mainland often mistake urban rail transit that is not "underground" for "light rail", but the difference between light rail and subway has nothing to do with whether the line is on the ground or underground. The correct term for "underground railway" should be "elevated railway", for example:
Wuhan Light Rail 1 Line, officially known as Wuhan Rail Transit 1 Line.
Chongqing Light Rail Line 2, officially named Chongqing Rail Transit Line 2.
Shanghai Light Rail Pearl Line, officially named Shanghai Rail Transit Line 3.
The official name of Tianjin Jinbin Light Rail is Tianjin Metro Line 9.
In the urban rail transit system of Chinese mainland, the gauge is 1435 mm standard rail. Even if it is called "light rail", most of the rails used are heavy rails of 60kg per meter.